BlastPoint's Banking Scorecard
Omb Bank
Designations: ✓ Community bank
Springfield, MO
10 branches across MO · KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
- Deposits +19.6% year over year ($2.1B on the books).
- Delinquency rate 0.85%.
- Return on assets 1.30%.
- Efficiency ratio 47.34% vs a 59.73% peer average.
- Loan-to-deposit ratio 98.05% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Omb Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 12.38% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Net Interest Margin 0.28% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+18.9% YoY
+6.9% QoQ
|
-$434.4M |
$2.8B
-0.6% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
59% |
| Total Loans ? |
$2.0B
+18.1% YoY
+5.7% QoQ
|
+$62.8M |
$2.0B
-0.3% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$2.1B
+19.6% YoY
+7.5% QoQ
|
-$252.6M |
$2.3B
-0.5% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
1.30%
+14.4% YoY
+6.5% QoQ
|
-0.09% |
1.39%
+17.0% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.59%
-0.0% YoY
+0.1% QoQ
|
-0.28% |
3.87%
+6.2% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
42% |
| Efficiency Ratio ? |
47.34%
-6.9% YoY
-2.6% QoQ
|
-12.38% |
59.73%
-12.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
0.85%
-3.1% YoY
+27.0% QoQ
|
-0.02% |
0.87%
+11.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
98.05%
-1.2% YoY
-1.7% QoQ
|
+13.02% |
85.04%
-0.1% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
9.97%
+53.1% YoY
+11.7% QoQ
|
-11.30% |
21.27%
-1.5% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 10.7% in tier |
| Nonperforming Asset Ratio ? |
0.78%
-6.7% YoY
+13.5% QoQ
|
+0.11% |
0.67%
+11.7% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
9.88%
+2.8% YoY
-0.4% QoQ
|
-4.96% |
14.84%
-0.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.1% in tier |
| Non-Interest Income / Assets ? |
0.21%
+29.3% YoY
+114.5% QoQ
|
-0.32% |
0.53%
+2.5% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
32% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
10.0%
+3.5pp YoY +1.0pp QoQ |
-11.4pp | 21.4% | 20.9% | 22.2% | 10% |
| Brokered Deposits |
15.5%
+4.0pp YoY +0.8pp QoQ |
+6.1pp | 9.5% | 7.4% | 8.5% | 83% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.1%
+1.3pp YoY +1.3pp QoQ |
+2.1pp | 14.0% | 12.3% | 12.5% | 70% |
| CRE |
46.4%
-0.5pp YoY -1.1pp QoQ |
-3.7pp | 50.0% | 36.8% | 41.4% | 40% |
| 1-4 Family |
15.1%
-3.3pp YoY -0.9pp QoQ |
-11.4pp | 26.4% | 31.9% | 31.3% | 31% |
| Consumer |
3.8%
+3.2pp YoY +1.5pp QoQ |
-0.9pp | 4.7% | 4.1% | 5.0% | 77% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
9.9%
+0.3pp YoY 0.0pp QoQ |
-5.7pp | 15.6% | 18.5% | 19.7% | 1% |
| Leverage Ratio |
9.2%
+0.4pp YoY +0.1pp QoQ |
-2.2pp | 11.3% | 11.6% | 12.6% | 15% |
| Total Capital Ratio |
11.1%
+0.3pp YoY 0.0pp QoQ |
-5.6pp | 16.7% | 19.6% | 20.8% | 2% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
242
+3 (+1.3%) YoY +2 (+0.8%) QoQ |
-72 | 313 | 162 | 482 | 52% |
| Assets per Employee ($) |
$9.7M
+17.4% YoY +6.0% QoQ |
-$734K | $10.5M | $8.0M | $8.8M | 63% |
| Branch Count |
10
+1 (+11.1%) YoY 0 QoQ |
-10 | 20 | 10 | 18 | 29% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
+0.2pp YoY +0.2pp QoQ |
+0.2pp | 0.2% | 0.3% | 0.4% | 92% |
| Nonaccrual |
0.5%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 0.8% | 0.8% | 1.0% | 47% |
| Allowance Coverage |
1.91x
+10.8% YoY -20.0% QoQ |
-16.80x | 18.71x | 10.47x | 20.23x | 47% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.2% | 51% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.6%
+1.1pp YoY +0.9pp QoQ |
+2.0pp | 12.6% | 14.3% | 11.6% | 70% |
| Cost of Funds (YTD) |
3.1%
-0.5pp YoY 0.0pp QoQ |
+1.2pp | 1.9% | 1.8% | 1.7% | 97% |
| Net Income ($, YTD) |
$14.4M
+34.9% YoY — QoQ |
-$4.8M | $19.2M | $11.3M | $40.4M | 58% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.